Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 24, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • Every state has an auto insurance minimum requirement when it comes to auto insurance that you must acquire in order to drive legally
  • Instead, the best thing that you can do is to acquire numerous rate quotes from different providers and different coverage levels, and then find a happy medium between the price that you want to pay and the amount of auto insurance coverage that you want to acquire
  • When you request a quote from an insurance provider, you input information about your vehicle, yourself and your driving experience
  • Adequate auto insurance coverage can be a powerful thing to have, but it takes research and planning to make the right decisions and to choose the coverage that will best meet your needs

Every state has an auto insurance minimum requirement when it comes to auto insurance that you must acquire in order to drive legally.

Having auto insurance is essential not only to protect your own self, but anyone else who is involved in a collision with you as well. Compare auto insurance with our FREE quote tool search and save!

There are many different levels of auto insurance coverage that you can buy, but the bare minimum is designed to cover your liability.

This matters in the event that you are involved in a collision with someone else, either another vehicle or someone else’s property, ensuring that their expenses are paid.

For most people, priority goes to finding reasonable auto insurance. This typically involves striking up a balance between affordability and adequate coverage.

Understanding what qualifies as adequate coverage is essential. It will also benefit you to understand what qualifies as a good price for the level of coverage that you seek.

Reasonable Auto Insurance

Locating reasonable auto insurance may seem difficult, but with some basic considerations, you can find an affordable auto insurance rate that offers the coverage that you seek. Here are some considerations to make:

  • There are only a limited number of combinations that you can purchase when it comes to auto insurance coverage. At one end of the spectrum, you have the minimum amount of coverage required by your state. On the other end of the spectrum is full coverage with maximum coverage amounts
  • Most auto insurance companies offer the full range of coverage with a variety of options that you can customize to suit your needs
  • The biggest difference from one company to the next is price. Different auto insurance companies offer different price points for the spectrum of coverage types. One type of coverage can carry several different price points depending on the company that you choose
  • Another difference between auto insurance providers is the specials and discounts that they offer. Some companies offer special rates for certain drivers, such as drivers with good records or who fit into specific demographic groups

Free Auto Insurance Comparison

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Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Buying Auto Insurance Online

One of the greatest benefits of buying auto insurance online is that you can quickly and easily compare quotes from a variety of companies.

While different auto insurance companies are going to offer the same basic set of insurance policies, the prices that come attached to them can differ significantly.

One of the greatest differences from one insurance company to the next is the cost of their policies.

Many companies tout special rates and discounts as compared to their competitors, with saying such as “Save $500 by switching to us,” but because insurance quotes differ significantly from one driver to the next, there is no accurate way to make this claim apply to every driver.

You cannot simply trust that by switching to a specific provider that you are going to get a better rate as compared to whatever you are currently paying.

Instead, the best thing that you can do is to acquire numerous rate quotes from different providers and different coverage levels, and then find a happy medium between the price that you want to pay and the amount of auto insurance coverage that you want to acquire.

Using a Quote Comparison Tool

The best way to find reasonable auto insurance is to use a quote comparison tool online, or to compare quotes yourself one by one.

When you request a quote from an insurance provider, you input information about your vehicle, yourself and your driving experience.

These details will help formulate a unique price point for the coverage that you seek.

  • Remember that different coverage amounts are going to alter the price point associated with your coverage. Whether you choose the bare minimum coverage or a comprehensive plan with a low deductible is going to significantly influence how much you are expected to pay monthly or annually for your policy
  • Make sure that you are accurate in detailing your personal, driving and vehicle information. The type of vehicle you drive and how often you drive it can influence your quote as much as your age and driving record can
  • Experiment with different coverage levels. There are categories of coverage, such as full coverage, comprehensive coverage and liability coverage, as well as coverage amounts. A liability insurance policy, for example, might cover $25,000 or $50,000, $100,000 or more, and may have a specific deductible attached to it
  • Consider the deductible closely. A higher deductible can offer a lower monthly rate, but you must pay more out of pocket before your policy kicks in and pays the remainder. Would you rather pay more now or in the event of a collision? Some policies come with a $0 deductible, but you end up paying more month to month for the privilege. Other policies are much cheaper on a monthly payment basis, but you pay more out of pocket in the event of a collision
Make sure you understand the different types of auto insurance coverage. The following are some of the various types of auto insurance coverage:
  • Liability insurance  designed to pay for damages to others and does not typically cover damage to your vehicle or medical assistance for you
  • Collision insurance – pays for damage to your vehicle in the event of a collision
  • Comprehensive insurance – pays for damage that did not occur in a collision, such as loss through vandalism or natural disasters
  • Medical coverage  designed to pay for medical expenses regardless of who was actually at fault
  • Uninsured motorist insurance  designed to pay for damages to your vehicle when the guilty party is not insured. Underinsured coverage works the same way but for guilty parties who are insured, but not insured enough to pay off the damage to your vehicle

In order to choose the right type of insurance coverage to meet your needs, you should experiment with different types of insurance and different coverage amounts.

Finding adequate auto insurance is going to mean striking up a balance between the right type of coverage, the right amount of coverage and a price that you can reasonably afford.

Finding a price that you can reasonably afford is going to depend on striking up a balance between monthly or annual payment and deductible.

Make sure that you do not take this decision lightly. Experiment with different options and amass as many different rate quotes as you can so that you can make the right decision about your auto insurance coverage.

Adequate auto insurance coverage can be a powerful thing to have, but it takes research and planning to make the right decisions and to choose the coverage that will best meet your needs.

Compare the best auto insurance rates by entering your ZIP into our FREE comparison tool!